Cambridge Savings Bank
Cambridge Savings Bank received 1,320 applications in 2025 and made 1,060 mortgages, in 21 counties across 2 states. The median rate its borrowers got was 6.490% on a median loan of $435,000. Of 1,161 decisions, 88 were denials — 7.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300FHGNOLF14HHS09 |
|---|---|
| Applications received | 1,320 |
| Mortgages made | 1,060 |
| Denied | 88 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 159 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.1495 points |
| FDIC-insured bank | Yes: Cambridge Savings Bank, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 690 | 6.250% | $525,000 | 4.6% |
| Refinancing | 131 | 6.990% | $305,000 | 8.3% |
| Cash-out refinancing | 95 | 6.990% | $305,000 | 8.6% |
| Other purposes | 144 | 6.990% | $165,000 | 18.4% |
Where Cambridge Savings Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, MA | 512 | 6.500% | 5.6% |
| Suffolk County, MA | 255 | 6.250% | 7.2% |
| Norfolk County, MA | 88 | 6.490% | 7.2% |
| Essex County, MA | 87 | 6.500% | 11.0% |
| Worcester County, MA | 47 | 6.375% | 9.6% |
| Plymouth County, MA | 18 | 6.500% | 25.0% |
| Barnstable County, MA | 15 | 6.500% | 11.8% |
| Bristol County, MA | 8 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 7 | Under 10 loans | 12.5% |
| Rockingham County, NH | 5 | Under 10 loans | 0.0% |
| Carroll County, NH | 3 | Under 10 loans | 25.0% |
| Grafton County, NH | 3 | Under 10 loans | 25.0% |
| Strafford County, NH | 3 | Under 10 loans | 25.0% |
| Dukes County, MA | 2 | Under 10 loans | 33.3% |
| Hampden County, MA | 2 | Under 10 loans | 0.0% |
| Berkshire County, MA | 1 | Under 10 loans | 0.0% |
| Hampshire County, MA | 1 | Under 10 loans | 0.0% |
| Nantucket County, MA | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Cheshire County, NH | 1 | Under 10 loans | 0.0% |
| Coos County, NH | 0 | Under 10 loans | 100.0% |
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When Cambridge Savings Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.